<PAGE>
                                                                    Exhibit 10.1


                                SECOND AMENDMENT


                  SECOND AMENDMENT, dated as of May 7, 2004 (this "Amendment"),
to the Amended and Restated Credit Agreement, dated as of April 25, 2002 (as
amended, supplemented or otherwise modified from time to time, the "Credit
Agreement"), among INTERSTATE BAKERIES CORPORATION, a Delaware corporation
("Holdings"), INTERSTATE BRANDS CORPORATION, a Delaware corporation ("Brands"),
INTERSTATE BRANDS WEST CORPORATION, a Delaware corporation ("Brands West"; each
of Brands and Brands West, a "Borrower" and, together, the "Borrowers"), the
several banks and other financial institutions or entities from time to time
parties thereto (the "Lenders"), THE BANK OF NOVA SCOTIA, BNP PARIBAS
COOPERATIEVE CENTRALE RAIFFEISEN-BOERENLEENBANK B.A. "RABOBANK INTERNATIONAL",
NEW YORK BRANCH, and SUNTRUST BANK, each as a co-documentation agent, BANK OF
AMERICA, N.A., as syndication agent, and JPMORGAN CHASE BANK, as administrative
agent (in such capacity, the "Administrative Agent").

                              W I T N E S S E T H:
                               - - - - - - - - - -

         WHEREAS, pursuant to the Credit Agreement, the Lenders have agreed to
make, and have made, certain loans and other extensions of credit to the
Borrowers;

         WHEREAS, the Borrowers have requested, and, upon this Amendment
becoming effective, the Lenders have agreed, that certain provisions of the
Credit Agreement be amended as set forth below;

         NOW, THEREFORE, the parties hereto hereby agree as follows:

         SECTION 1. Defined Terms. Terms defined in the Credit Agreement and
used herein shall have the meanings given to them in the Credit Agreement.
<PAGE>
                                                                               2


         SECTION 2. Amendment to Section 1.1 of the Credit Agreement. Section
1.1 of the Credit Agreement is hereby amended by deleting the pricing grid set
forth in the definition of "Pricing Grid" and substituting in lieu thereof the
following:

<TABLE>
<CAPTION>
      Level        Facility  Applicable  Applicable  Applicable  Applicable  Applicable    Applicable   Applicable  Applicable
  (based on the      Fee     Margin for  Margin for  Margin for  Margin      Margin for    Margin for     Margin      Margin
  senior secured    Rate     Eurodollar      ABR     Eurodollar  for ABR     Eurodollar  ABR Tranche B     for       for ABR
  debt rating of              Revolving   Revolving   Tranche A  Tranche A   Tranche B     Term Loans   Eurodollar   Tranche C
 Holdings and the               Loans       Loans    Term Loans  Term Loans  Term Loans                 Tranche C   Term Loans
    Borrowers)                                                                                          Term Loans
-----------------  --------  ----------  ----------  ----------  ----------  ----------  -------------  ----------  -----------

<S>                <C>       <C>         <C>         <C>         <C>         <C>         <C>            <C>         <C>
     Level I        .375%      0.875%      0.000%      1.250%      0.250%      2.250%        1.250%       2.000%      1.000%
   Equal to or
 greater than BBB
 and Baa2 by S&P
   and Moody's

     Level II       .375%     1.1250%     0.1250%      1.500%      0.500%      2.250%        1.250%       2.000%      1.000%
 BBB- and Baa3 by
 S&P and Moody's

    Level III       .500%      1.500%      0.500%      2.000%      1.000%      2.500%        1.500%       2.250%      1.250%
  BB+ and Ba1 by
 S&P and Moody's

     Level IV       .500%      2.000%      1.000%      2.500%      1.500%      2.750%        1.750%       2.500%      1.500%
BB and Ba2 by S&P
   and Moody's

     Level V        .500%      2.500%      1.500%      3.000%      2.000%      3.250%        2.250%       3.000%      2.000%
   Less than or
 equal to BB- and
  Ba3 by S&P and
      Moody's
</TABLE>





         SECTION 3. Amendments to Section 7.1 of the Credit Agreement. (a)
Section 7.1(a) of the Credit Agreement is hereby amended by deleting such
section in its entirety and substituting in lieu thereof the following:


                  (a) Consolidated Leverage Ratio. Permit the Consolidated
         Leverage Ratio as at the last day of any period of four consecutive
         fiscal quarters of Holdings ending with any fiscal quarter set forth
         below to exceed the ratio set forth below opposite such fiscal quarter:

<TABLE>
<CAPTION>
                                                                  Consolidated
                  Fiscal Quarter                                  Leverage Ratio
                  --------------                                  --------------
<S>               <C>                                             <C>
                  March 6, 2004                                   3.75 to 1.00
                  May 29, 2004                                    4.00 to 1.00
                  August 21, 2004                                 3.00 to 1.00
                  November 13, 2004 and thereafter                2.75 to 1.00
</TABLE>


                  (b) Section 7.1(b) of the Credit Agreement is hereby amended
         by deleting such section in its entirety and substituting in lieu
         thereof the following:
<PAGE>
                                                                               3


                           (b) Consolidated Interest Coverage Ratio. Permit the
         Consolidated Interest Coverage Ratio as at the last day of any period
         of four consecutive fiscal quarters of Holdings (or, if less, the
         number of full fiscal quarters subsequent to the Closing Date) ending
         with any fiscal quarter set forth below to be less than the ratio set
         forth below opposite such fiscal quarter:

<TABLE>
<CAPTION>
                                                        Consolidated
                  Fiscal Quarter                        Interest Coverage Ratio
                  --------------                        -----------------------

<S>               <C>                                   <C>
                  March 6, 2004                         3.55 to 1.00
                  May 29, 2004                          3.75 to 1.00
                  August 21, 2004 and thereafter        5.00 to 1.00
</TABLE>


         SECTION 4. Conditions to Effectiveness of Amendment. This Amendment
shall be effective on the date on which all of the following conditions
precedent have been satisfied or waived (the "Effective Date"):


         (a) The Administrative Agent (or its counsel) shall have received a
counterpart of this Amendment, executed and delivered by a duly authorized
officer of each of (i) Holdings, (ii) the Borrowers and (iii) each of the
Lenders constituting the Required Lenders;

         (b) The Borrowers shall have paid all fees and expenses of the
Administrative Agent, including the reasonable fees and expenses of counsel to
the Administrative Agent;

         (c) After giving effect to the Amendment, no Default or Event of
Default shall have occurred and be continuing; and

         (d) The Administrative Agent shall have received an amendment fee for
the account of each Lender that consents to this Amendment in an amount equal to
0.125% of each such Lender's Commitment.

         SECTION 5. Representations and Warranties. Each of the representations
and warranties made by each of Holdings and the Borrowers in or pursuant to the
Loan Documents shall be true and correct in all material respects on and as of
the date hereof as if made as of the date hereof, except for representations and
warranties expressly stated to relate to a specific earlier date, in which case
such representations and warranties were true and correct in all material
respects as of such earlier date; provided that each reference to the Credit
Agreement therein shall be deemed to be a reference to the Credit Agreement
after giving effect to this Amendment.

         SECTION 6. Effect on the Loan Documents. (a) Except as specifically
amended above, the Credit Agreement and all other Loan Documents shall continue
to be in full force and effect and are hereby in all respects ratified and
confirmed.


         (b) The execution, delivery and effectiveness of this Amendment shall
not operate as a waiver of any right, power or remedy of any Lender or the
Administrative Agent under any of the Loan Documents, nor constitute a waiver of
any provision of any of the Loan Documents.

         SECTION 7. Expenses. Holdings and the Borrowers agree to pay or
reimburse the Administrative Agent for all of its out-of-pocket costs and
reasonable expenses incurred in connection with this Amendment, any other
documents prepared in connection herewith and the transaction
<PAGE>
                                                                               4


contemplated hereby, including, without limitation, the reasonable fees and
disbursements of counsel to the Administrative Agent.

         SECTION 8. Affirmation of Guaranty and Credit Agreement. The Guarantors
hereby consent to this Amendment and hereby confirm, reaffirm and restate that
their obligations under or in respect of the Credit Agreement and the documents
related thereto to which they are a party are and shall remain in full force and
effect after giving effect to the foregoing Amendment.

         SECTION 9. GOVERNING LAW. THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS
OF THE PARTIES HERETO SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN
ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.


         SECTION 10. Execution in Counterparts. This Amendment may be executed
by one or more of the parties to this Amendment on any number of separate
counterparts, and all of said counterparts taken together shall be deemed to
constitute one and the same instrument.




                 [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK.]
<PAGE>
                  IN WITNESS WHEREOF, the parties hereto have caused this
Amendment to be duly executed and delivered by their respective proper and duly
authorized officers as of the day and year first above written.

                               INTERSTATE BAKERIES CORPORATION, as Guarantor

                               By: /s/ Paul E. Yarick
                                   ----------------------------------------
                               Name:  Paul E. Yarick
                               Title: Vice President

                               INTERSTATE BRANDS CORPORATION, as a Borrower

                               By: /s/ Paul E. Yarick
                                   ----------------------------------------
                               Name:  Paul E. Yarick
                               Title: Vice President

                               INTERSTATE BRANDS WEST CORPORATION, as a Borrower

                               By: /s/ Paul E. Yarick
                                   ----------------------------------------
                               Name:  Paul E. Yarick
                               Title: Vice President

                               JP MORGAN CHASE BANK, as Administrative Agent, an
                               Issuing Lender and a Lender

                               By: /s/ B.B. Wuthrich
                                   ----------------------------------------
                               Name:  B.B. Wuthrich
                               Title: Vice President

                               HARRIS TRUST & SAVINGS BANK, as an Issuing Lender
                               and a Lender

                               By: /s/ Karen L. Knudchin
                                   ----------------------------------------
                               Name:  Karen L. Knudchin
                               Title: Vice President
<PAGE>


                                        Ag First Farm Credit Bank
                                        -------------------------
                                        (Name of Lender)

                                        By: /s/ FELICIA MORANT
                                            ---------------------
                                            Name:  Felicia Morant
                                            Title: Vice President

                                        By:
                                            ---------------------
                                            Name:
                                            Title:
<PAGE>


                                              AIMCO CDO Series 2000-A
                                              ---------------------------------
                                              (Name of Lender)


                                              By:  (ILLEGIBLE)
                                                 ------------------------------
                                                 Name:
                                                 Title:


                                              By:  (ILLEGIBLE)
                                                 ------------------------------
                                                 Name:
                                                 Title:



<PAGE>


                                              AIMCO CLO SERIES 2001-A
                                              ---------------------------------
                                              (Name of Lender)


                                              By:  (ILLEGIBLE)
                                                 ------------------------------
                                                 Name:
                                                 Title:


                                              By:  (ILLEGIBLE)
                                                 ------------------------------
                                                 Name:
                                                 Title:



<PAGE>


                                              ALLSTATE LIFE INSURANCE COMPANY
                                              ---------------------------------
                                              (Name of Lender)


                                              By:  (ILLEGIBLE)
                                                 ------------------------------
                                                 Name:
                                                 Title:


                                              By:  (ILLEGIBLE)
                                                 ------------------------------
                                                 Name:
                                                 Title:
<PAGE>
                                APEX (IDM) CDO I, LTD.
                                ELC (CAYMAN) LTD. CDO SERIES 1999-I
                                By: David L. Babson & Company Inc. as Collateral
                                Manager



                                By: /s/ MARYANN SPENCER
                                    --------------------------
                                    Name:  MaryAnn Spencer
                                    Title: Managing Director
<PAGE>

                                     AURUM CLO 2002-1 LTD.

                                     By: Columbia Management Advisors, Inc. ___
                                     (f/k/a Stein Roe & Farnham Incorporated),
                                     As Investment Manager



                                     By: /s/ BRIAN J. MURPHY
                                         -------------------------------------
                                         Name:  Brian J. Murphy
                                         Title: Vice President
<PAGE>

                                        BANCO ESPIRITO SANTO S.A.,



                                        By: /s/ ANDREW M. ORSEN
                                            ---------------------------------
                                            Name:  Andrew M. Orsen
                                            Title: Vice President



                                        By: /s/ TERRY R. HULL
                                            ---------------------------------
                                            Name:  Terry R. Hull
                                            Title: Senior Vice President


<PAGE>




                                                 Bank of America N.A.
                                                 ---------------------------
                                                 (Name of Lender)



                                                 By: /s/ DAVID L. CATHERALL
                                                     -------------------------
                                                      Name:  David L. Catherall
                                                      Title: Vice President





<PAGE>
                                         The Bank of East Asia, Limited
                                         Los Angeles Branch

                                        ----------------------------------------
                                         (Name of Lender)



                                         By: /s/ DAVID LOH
                                         ------------------------
                                         Name:  David Loh
                                         Title: SVP Commercial Lending



                                         By: /s/ VICTOR LI
                                         -------------------------
                                         Name:  Victor Li
                                         Title: General Manager
<PAGE>

                                             BANK OF MONTREAL



                                             By: /s/ (ILLEGIBLE)
                                                 ----------------------------
                                                 Name:
                                                 Title: (ILLEGIBLE)
<PAGE>
                                             The Bank of New York
                                             -----------------------------------
                                             (Name of Lender)


                                             By: /s/ MARK O'CONNOR
                                                 -------------------------------
                                                 Name:  MARK O'CONNOR
                                                 Title:  VICE PRESIDENT
<PAGE>
                                             The Bank of Nova Scotia
                                             -----------------------------------
                                             (Name of Lender)

                                             BY: /s/ NADINE BELL
                                                 -------------------------------
                                                 Name:  NADINE BELL
                                                 Title: SENIOR MANAGER
<PAGE>

                                                 BIG SKY SENIOR LOAN FUND, LTD.
                                                   BY: EATON VANCE MANAGEMENT
                                                     AS INVESTMENT ADVISOR
                                               ---------------------------------
                                               (Name of Lender)


                                               By: /s/ MICHAEL B. BOTTHOF
                                                  ------------------------------
                                                  Name: Michael B. Botthof
                                                  Title: Vice President

<PAGE>


                                       BNP PARIBAS

                                        By: /s/ JO ELLEN BENDER
                                           ---------------------------
                                           Name:  Jo Ellen Bender
                                           Title: Managing Director


                                        By: /s/ CHRISTINE L. HOWATT
                                           ---------------------------
                                           Name:  Christine L. Howatt
                                           Title: Director
<PAGE>




                                   BRYN MAWR CLO, Ltd.
                                   By: Deerfield Capital Management LLC as its
                                       Collateral Manager


                                   By:  /s/ MATT STOUFFER
                                       ---------------------
                                   Name:  Matt Stouffer
                                   Title: Vice President
<PAGE>





                                        CALYON NEW YORK BRANCH



                                        By: /s/ GUIDO VAN (ILLEGIBLE)
                                           ----------------------------
                                        Name:  Guido Van (ILLEGIBLE)
                                        Title: Managing Director


                                        By: /s/ LEE E. GREVE
                                           ----------------------------
                                        Name:  Lee E. Greve
                                        Title: Managing Director
<PAGE>




(CHINATRUST COMMERCIAL BANK    366 Madison Ave., 3rd FL., New York, N.Y. 10017
NEW YORK BRANCH LOGO)          Tel: (212) 457-8888     Fax: (212) 457-6666



                                   CHINATRUST COMMERCIAL BANK

                                      By: /s/ ERIC KAN
                                         ------------------------
                                      Name:  Eric Kan
                                      Title: Lending Manager, SVP
<PAGE>


                                        ---------------------------------------
                                        CoBank, ACB




                                        By: /s/ S. RICHARD DILL
                                            -----------------------------------
                                            Name: S. Richard Dill
                                            Title: Vice President
<PAGE>


                                        /s/ COMERICA BANK
                                        ---------------------------------------
                                        (Name of Lender)



                                        By: /s/ MARK J. (ILLEGIBLE)
                                            -----------------------------------
                                            Name: Mark J. (Illegible)
                                            Title: CEO
<PAGE>


                                        Commerce Bank, N.A.



                                        By: /s/ LANCE HOLDEN
                                            -----------------------------------
                                            Name: Lance Holden
                                            Title: Senior Vice President
<PAGE>

                                       COOPERATIEVE CENTRALE RAIFFEISEN-
                                       BOERENLEENBANK B.A.,"RABOBANK
                                       INTERNATIONAL" NEW YORK BRANCH



                                       By: /s/ ERIC HURSHMAN
                                          -------------------------
                                          Name: Eric Hurshman
                                          Title: Executive Director



                                       By: /s/ BRETT DELFINO
                                          -------------------------
                                          Name: Brett Delfino
                                          Title: Executive Director


<PAGE>
                                   DBS BANK LTD., LOS ANGELES AGENCY
                                   ---------------------------------
                                   (Name of Lender)



                                   By: /s/ CHARLES ONG
                                       -------------------------------
                                       Name:  Charles Ong
                                       Title: General Manager
                                              DBS Bank Los Angeles
<PAGE>
                                                    EATON VANCE CDO II, LTD.
                                                   BY: EATON VANCE MANAGEMENT
                                                     AS INVESTMENT ADVISOR
                                               ---------------------------------
                                               (Name of Lender)


                                               By: /s/ MICHAEL B. BOTTHOF
                                                  ------------------------------
                                                  Name: Michael B. Botthof
                                                  Title: Vice President
<PAGE>
                                                   EATON VANCE CDO III, LTD.
                                                   BY: EATON VANCE MANAGEMENT
                                                     AS INVESTMENT ADVISOR
                                               ---------------------------------
                                               (Name of Lender)


                                               By: /s/ MICHAEL B. BOTTHOF
                                                  ------------------------------
                                                  Name: Michael B. Botthof
                                                  Title: Vice President
<PAGE>
                                             COSTANTINUS EATON VANCE CDO V, LTD.
                                                 BY: EATON VANCE MANAGEMENT
                                                    AS INVESTMENT ADVISOR
                                             -----------------------------------
                                             (Name of Lender)


                                             By: /s/ MICHAEL B. BOTTHOF
                                                --------------------------------
                                                Name: Michael B. Botthof
                                                Title: Vice President
<PAGE>
                                                     EATON VANCE CDO VI LTD.
                                                   BY: EATON VANCE MANAGEMENT
                                                     AS INVESTMENT ADVISOR
                                               ---------------------------------
                                               (Name of Lender)


                                               By: /s/ MICHAEL B. BOTTHOF
                                                  ------------------------------
                                                  Name: Michael B. Botthof
                                                  Title: Vice President
<PAGE>
                                      EATON VANCE INSTITUTIONAL SENIOR LOAN FUND
                                               BY: EATON VANCE MANAGEMENT
                                                  AS INVESTMENT ADVISOR
                                      ------------------------------------------
                                      (Name of Lender)


                                      By:      /s/ MICHAEL B. BOTTHOF
                                         ---------------------------------------
                                         Name: Michael B. Botthof
                                         Title: Vice President
<PAGE>
                                                EATON VANCE
                                                LIMITED DURATION INCOME FUND
                                                BY: EATON VANCE MANAGEMENT
                                                AS INVESTMENT ADVISOR
                                              ---------------------------------
                                              (Name of Lender)


                                              By: /s/ MICHAEL B. BOTTHOF
                                                 ------------------------------
                                                 Name: Michael B. Botthof
                                                 Title: Vice President
<PAGE>
                                                   EATON VANCE SENIOR
                                                   FLOATING-RATE TRUST
                                                   BY: EATON VANCE MANAGEMENT
                                                     AS INVESTMENT ADVISOR
                                               ---------------------------------
                                               (Name of Lender)


                                               By: /s/ MICHAEL B. BOTTHOF
                                                  ------------------------------
                                                  Name: Michael B. Botthof
                                                  Title: Vice President
<PAGE>
                                               EATON VANCE SENIOR INCOME TRUST
                                                   BY: EATON VANCE MANAGEMENT
                                                     AS INVESTMENT ADVISOR
                                               ---------------------------------
                                               (Name of Lender)


                                               By: /s/ MICHAEL B. BOTTHOF
                                                  ------------------------------
                                                  Name: Michael B. Botthof
                                                  Title: Vice President
<PAGE>
                              ELT LTD.
                              ----------------------
                              (Name of Lender)



                              By: /s/ DIANA M HIMES
                                  -------------------------
                                  Name:  DIANA M. HIMES
                                  Title: ASSISTANT VICE PRESIDENT
<PAGE>


                                            FARM CREDIT SERVICES OF AMERICA, PCA
                                            ------------------------------------
                                            (Name of Lender)


                                            By: /s/ BRUCE P. ROUSE
                                               ------------------------
                                               Name: Bruce P. Rouse
                                               Title: Vice President
<PAGE>




                                      Farm Credit Services of Minnesota Valley,
                                      PCA, dba FCS Commercial Finance Group
                                      -----------------------------------------



                                      By: /s/ JAMES M. GRAFING
                                         --------------------------------------
                                      Name: James M. Grafing
                                      Title: SVP - Syndicated Finance
<PAGE>

                                      Farm Credit Services of Missouri, PCA
                                      -----------------------------------------
                                      (Name of Lender)


                                      By: /s/ MICHAEL D. SCHERER
                                         --------------------------------------
                                      Name: Michael D. Scherer
                                      Title: Vice President, Agribusiness
<PAGE>


                                               FRANKLIN CLO I, LIMITED


                                               --------------------------------
                                               (Name of Lender)


                                               By: /s/ DAVID ARDINI
                                                   ------------------------
                                                   Name: DAVID ARDINI
                                                   Title: VICE PRESIDENT



<PAGE>

                                               FRANKLIN CLO III, LIMITED


                                               --------------------------------
                                               (Name of Lender)


                                               By: /s/ DAVID ARDINI
                                                  ------------------------
                                                  Name: DAVID ARDINI
                                                  Title: VICE PRESIDENT
<PAGE>


                                               FRANKLIN CLO IV, LIMITED


                                               --------------------------------
                                               (Name of Lender)


                                               By: /s/ DAVID ARDINI
                                                  ------------------------
                                                  Name: DAVID ARDINI
                                                  Title: VICE PRESIDENT
<PAGE>
                                                        GRAYSON & CO
                                              BY: BOSTON MANAGEMENT AND RESEARCH
                                                    AS INVESTMENT ADVISOR
                                              ----------------------------------
                                              (Name of Lender)


                                              By: /s/ MICHAEL B. BOTTHOF
                                                 ------------------------------
                                                 Name: Michael B. Botthof
                                                 Title: Vice President
<PAGE>
                                   HARBOUR TOWN FUNDING LLC
                                   ----------------------------
                                   (Name of Lender)



                                   By: /s/ DIANA M HIMES
                                       -------------------------
                                       Name:  DIANA M. HIMES
                                       Title: ASSISTANT VICE PRESIDENT
<PAGE>
                                             IKB Capital Corporation
                                             -----------------------------------
                                             (Name of Lender)



                                             By: /s/ DAVID SNYDER
                                                 -------------------------------
                                                 Name:  David Snyder
                                                 Title: President
<PAGE>
                                             LANDMARK III CDO
                                             -----------------------------------
                                             (Name of Lender)

                                             By: Aladdin Asset Management

                                             By: THOMAS EGGERSCHINLER
                                                 -------------------------------
                                                 Name:  Thomas Eggerschinler
                                                 Title: Director -- Research

                                             By:
                                                 -------------------------------
                                                 Name:
                                                 Title:
<PAGE>
                              MAPLEWOOD (CAYMAN) LIMITED
                              By: David L. Babson & Company Inc. under
                              delegated authority from Massachusetts Mutual Life
                              Insurance Company as Investment Manager




                              By: /s/ MARYANN SPENCER
                                  -----------------------
                                  Name:  MaryAnn Spencer
                                  Title: Managing Director
<PAGE>

                              MASSACHUSETTS MUTUAL LIFE INSURANCE
                              COMPANY
                              By: David L. Babson & Company Inc. as
                              Investment Advisor



                              By: /s/ MARYANN SPENCER
                                  -----------------------
                                  Name:  MaryAnn Spencer
                                  Title: Managing Director
<PAGE>
                              MASSMUTUAL/DARBY CBO LLC
                              By: David L. Babson & Company Inc. as LLC
                              Manager



                              By: /s/ MARYANN SPENCER
                                  -----------------------
                                  Name:  MaryAnn Spencer
                                  Title: Managing Director

<PAGE>
                                                MOUNTAIN CAPITAL CLO I, LTD
                                                (Name of Lender)



                                                By: /s/ REGINA FORMAN
                                                    ----------------------
                                                    Name:  Regina Forman
                                                    Title: Director

<PAGE>

                                                MOUNTAIN CAPITAL CLO II, LTD
                                                (Name of Lender)



                                                By: /s/ REGINA FORMAN
                                                    ------------------------
                                                    Name:  Regina Forman
                                                    Title: Director
<PAGE>
                                        MUIRFIELD TRADING LLC
                                        -----------------------------
                                        (Name of Lender)



                                        By: /s/ DIANA M HIMES
                                            ------------------------
                                            Name:  DIANA M. HIMES
                                            Title: ASSISTANT VICE PRESIDENT
<PAGE>
                                            National Bank of Kuwait, S.A.K
                                            ------------------------------------
                                            (Name of Lender)


                                            By: /s/ MUHANNAD KAMAL
                                                --------------------------------
                                                Name:  Muhannad Kamal
                                                Title: General Manager


                                            By: /s/ ROBERT MCNEILL
                                                --------------------------------
                                                Name:  Robert McNeill
                                                Title: Assistant General Manager
<PAGE>
                                        OLYMPIC FUNDING TRUST, SERIES 1999-1
                                        ------------------------------------
                                        (Name of Lender)



                                        By: /s/ DIANA M HIMES
                                            ------------------------
                                            Name:  Diana M. Himes
                                            Title: Authorized Agent
<PAGE>
                                                  OXFORD STRATEGIC INCOME FUND
                                                   BY: EATON VANCE MANAGEMENT
                                                     AS INVESTMENT ADVISOR
                                               ---------------------------------
                                               (Name of Lender)


                                               By: /s/ MICHAEL B. BOTTHOF
                                                  ------------------------------
                                                  Name: Michael B. Botthof
                                                  Title: Vice President
<PAGE>
                                             PB CAPITAL
                                             (Name of Lender)

                                             By: /s/ CHRISTOPHER J. RUZZI
                                                 -------------------------------
                                                 Name:  Christopher J. Ruzzi
                                                 Title: VP

                                             By: /s/ LISA MORAGLIA
                                                 -------------------------------
                                                 Name:  Lisa Moraglia
                                                 Title: AVP
<PAGE>


                              Sankaty Advisors, LLC as Collateral
                              Manager for AVERY POINT CLO,
                              LTD., as Term Lender



                              By: Stacy Braatz
                                 -------------------------
                                 Name:    STACY BRAATZ
                                 Title:   SECRETARY
<PAGE>


                              Sankaty Advisors, LLC as Collateral
                              Manager for Castle Hill I - INGOTS,
                              Ltd., as Term Lender





                              By:  Stacy Braatz
                                 -------------------------------
                                 Name:    STACY BRAATZ
                                 Title:   SECRETARY
<PAGE>



                              Sankaty Advisors, LLC as Collateral
                              Manager for Castle Hill II - INGOTS,
                              Ltd., as Term Lender





                              By:  Stacy Braatz
                                 -------------------------------
                                 Name:    STACY BRAATZ
                                 Title:   SECRETARY
<PAGE>


                              Sankaty Advisors, LLC as Collateral Manager for
                              Castle Hill III CLO, Limited as Term Lender
                              -----------------------------------------------
                              (Name of Lender)



                              By:  Stacy Braatz
                                 --------------------------------------------
                                 Name:    STACY BRAATZ
                                 Title:   SECRETARY
<PAGE>
                                             Sankaty Advisors, LLC as Collateral
                                             Manager for Prospect Funding I, LLC
                                             as Term Lender


                                             -----------------------------------
                                             (Name of Lender)



                                             By: /s/ Stacy Braatz
                                                 -------------------------------
                                                 Name:  STACY BRAATZ
                                                 Title: SECRETARY
<PAGE>
                                             Sankaty Advisors, LLC as Collateral
                                             Manager for Race Point CLO,
                                             Limited, as Term Lender



                                             By: /s/ Stacy Braatz
                                                 -------------------------------
                                                 Name:  STACY BRAATZ
                                                 Title: SECRETARY
<PAGE>
                                             Sankaty Advisors, LLC as Collateral
                                             Manager for Race Point II CLO,
                                             Limited, as Term Lender



                                             By: /s/ Stacy Braatz
                                                 -------------------------------
                                                 Name:  STACY BRAATZ
                                                 Title: SECRETARY
<PAGE>


                                         SENIOR DEBT PORTFOLIO
                                         By: Boston Management and Research
                                             ------------------------------
                                             (Name of Lender)


                                         By: /s/ Michael B. Botthof
                                            -------------------------------
                                         Name:  Michael B. Botthof
                                         Title: Vice President


<PAGE>

                                     SEQUILS-Cumberland I, Ltd.
                                     By: Deerfield Capital Management LLC as its
                                       Collateral Manager


                                     By: /s/ Matt Stouffer
                                        -------------------------------
                                     Name:  Matt Stouffer
                                     Title: Vice President

<PAGE>

                              SIMSBURY CLO, LIMITED
                              By: David L. Babson & Company Inc. under
                              delegated authority from Massachusetts Mutual Life
                              Insurance Company as Collateral Manager


                              By: /s/ MaryAnn Spencer
                                 -------------------------------
                              Name: MaryAnn Spencer
                              Title: Managing Director
<PAGE>

                                   Smoky River CDO, L.P.,
                                   By RBC Leveraged Capital as Portfolio Advisor



                                   By: /s/ Melissa Marano
                                      -------------------------------
                                   Name: Melissa Marano
                                   Title: Authorized Signatory
<PAGE>



                                                   SRF 2000, INC.
                                       ---------------------------------------
                                       (Name of Lender)


                                       By: Diana M. Himes
                                           ------------------------------------
                                           Name:  DIANA M. HIMES
                                           Title: ASSISTANT VICE PRESIDENT

<PAGE>


                                                   SRF TRADING, INC.
                                       ----------------------------------------
                                       (Name of Lender)


                                       By: Diana M. Himes
                                           ------------------------------------
                                           Name:  DIANA M. HIMES
                                           Title: ASSISTANT VICE PRESIDENT

<PAGE>

                                         Stanfield Arbitrage CDO, Ltd.
                                         By: Stanfield Capital Partners LLC
                                             as its Collateral Manager
                                         ---------------------------------------



                                         By: /s/ [illegible]
                                             -----------------------------------
                                             Name:
                                             Title:



                                         By:
                                             -----------------------------------
                                             Name:
                                             Title:
<PAGE>

                                         Stanfield/RMF Transatlantic CDO Ltd.
                                         By: Stanfield Capital Partners LLC
                                             as its Collateral Manager
                                         ---------------------------------------



                                         By: /s/ [illegible]
                                             -----------------------------------
                                             Name:
                                             Title:



                                         By:
                                             -----------------------------------
                                             Name:
                                             Title:
<PAGE>
                                      STEIN ROE & FARNHAM CLO I LTD.

                                      By: Columbia Management Advisors, Inc.
                                      (f/k/a Stein Roe & Farnham Incorporated),
                                      As Portfolio Manager


                                      By: /s/ Brian J. Murphy
                                         ----------------------------
                                         Name:  Brian J. Murphy
                                         Title: Vice President
<PAGE>
                                      SUFFIELD CLO, LIMITED
                                      By: David L. Babson & Company Inc. as
                                          Collateral Manager


                                      By: /s/ Mary A. Spencer
                                         -----------------------------------
                                         Name: MaryAnn Spencer
                                         Title: Managing Director
<PAGE>
                                      The Sumitomo Trust & Banking Co., Ltd.,
                                      New York Branch


                                      By: /s/ Elizabeth A. Quirk
                                         ------------------------------------
                                         Name: Elizabeth A. Quirk
                                         Title: Vice President
<PAGE>

                                      SunTrust Bank
                                      ----------------------------
                                      (Name of Lender)


                                      By: /s/ Michael Lapresi
                                         -------------------------
                                         Name: Michael Lapresi
                                         Title: Managing Director
<PAGE>

                                      TOLLI & CO.
                                      BY: EATON VANCE MANAGEMENT
                                          AS INVESTMENT ADVISOR
                                         --------------------------------
                                         (Name of Lender)


                                      By: /s/ Michael B. Botthof
                                         --------------------------------
                                         Name: Michael B. Botthof
                                         Title: Vice President
<PAGE>

                                         Toronto Dominion (New York), Inc.
                                         ---------------------------------------
                                         (Name of Lender)



                                         By: /s/ Stacey L. Malek
                                             -----------------------------------
                                             Name:  STACEY MALEK
                                             Title: VICE PRESIDENT



                                         By:
                                             -----------------------------------
                                             Name:
                                             Title:
<PAGE>

                                         TRS Eclipse LLC
                                         ---------------------------------------
                                         (Name of Lender)



                                         By: /s/ Deborah O'Keeffe
                                             -----------------------------------
                                             Name:  Deborah O'Keeffe
                                             Title: Vice President
<PAGE>

                                         UMB Bank, n.a.
                                         ---------------------------------------
                                         (Name of Lender)



                                         By: /s/ Thomas S. Terry
                                             -----------------------------------
                                             Name:  Thomas S. Terry
                                             Title: Senior Vice President
<PAGE>

                              U.S. AGBANK, FCB F/K/A FARM CREDIT BANK OF WICHITA



                              By: /s/ Patrick Zeka
                                  -----------------------------------
                                  Name:  Patrick Zeka
                                  Title: Vice President
<PAGE>


                                       VAN KAMPEN CLO I, LIMITED
                                       By: Van Kampen Investment Advisory Corp.
                                       As Collateral Manager


                                       By: /s/ Brad Langs
                                           ------------------------------------
                                           Name:  BRAD LANGS
                                           Title: EXECUTIVE DIRECTOR
<PAGE>




                                       VAN KAMPEN CLO II, LIMITED
                                       By: Van Kampen Investment Advisory Corp.
                                       As Collateral Manager


                                       By: /s/ Brad Langs
                                           ------------------------------------
                                           Name:  BRAD LANGS
                                           Title: EXECUTIVE DIRECTOR
<PAGE>




                                       VAN KAMPEN
                                       SENIOR INCOME TRUST
                                       By: Van Kampen Investment Advisory Corp.


                                       By: /s/ Brad Langs
                                           ------------------------------------
                                           Name:  BRAD LANGS
                                           Title: EXECUTIVE DIRECTOR
<PAGE>




                                       VAN KAMPEN
                                       SENIOR LOAN FUND
                                       By: Van Kampen Investment Advisory Corp.


                                       By: /s/ Brad Langs
                                           ------------------------------------
                                           Name:  BRAD LANGS
                                           Title: EXECUTIVE DIRECTOR
<PAGE>

                                         WACHOVIA BANK, NATIONAL ASSOCIATION
                                         ---------------------------------------
                                         (Name of Lender)



                                         By: /s/ Mark S. Supple
                                             -----------------------------------
                                             Name:  Mark S. Supple
                                             Title: Vice President